FCA WARNING: Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
Amana by Bayuti
Your gap Why it widens What is Amana FAQs Bayuti home Risk warning Download the app

Growing a home deposit

Mind the gap.

You have a home deposit. It is not enough yet. And every year it sits in a bank account, the gap between what you have and what you need gets wider.

Show me my gap What is Amana

Your home deposit, square by square

Green is what you have. Red is the gap.

Months filled Still missing

Each square is £1,000.

Each square is worth£2,500
Filled so far£50,000
The gap£25,000
Squares still empty10

Set the sliders to your own numbers. This is an illustration and does not include any investment return.

Mind the gap

The gap does not stand still

The white line is the average house price in England. The orange line is the money sitting in your account, and how much of it inflation quietly takes away year after year. One climbs, one shrinks, and the space between them is the gap.

£23,550 What £30,000 left in a bank account in December 2021 can buy today, in 2021 money. You did not spend a penny of it.
Up 8.9% The average home in England went from £269,150 to £293,000 over the same years. Prices climbed. Your home deposit did not.

Average house price for England from the ONS and HM Land Registry UK House Price Index: £269,150 in December 2020 and £293,000 in June 2026. Buying power calculated from ONS consumer price inflation over the same period. Move the sliders above to see the figures for your own home deposit.

What Amana does about it

This is how you close the gap

Every month you wait is a month your home deposit could have been working. Act today and you put those months on your side. Amana by Bayuti invests your home deposit in Shariah compliant UK property and pays you dividends every month, so the money you have already worked hard for starts pulling in the same direction as you. It can also fall in value, which is why it suits a home that is still years away.

  1. Move it out of standing stillOpen your account in the app and invest your home deposit in Shariah compliant UK property.
  2. Get paid monthlyDividends are paid monthly from what the property earns. Take them or reinvest them.
  3. Take it out when you buyThree working days' notice under £50,000, 30 calendar days at £50,000 or above.

Amana by Bayuti is an indirect investment that pays dividends, not the direct purchase of a property. You own a share of the investment, not a share of a house.

Questions

Before you start

What kind of product is this?

It is an investment, and nothing like a deposit account. There is no interest, no guaranteed return and no FSCS protection. The value can fall as well as rise and you could get back less than you put in.

Why does my home deposit lose value if the number does not change?

The number stays the same. What it buys does not. When prices rise, the same amount of cash covers less of what you are working towards, so the gap widens even though you have not spent anything.

Does Amana protect me from that?

No. Nothing here is protected or guaranteed. Amana invests in property assets whose value can rise or fall, and dividends can stop. It is a different risk from cash, not a safer one.

When am I paid?

Dividends are paid monthly from what the underlying property earns. You can take them out or reinvest them. They are not guaranteed and can stop.

How do I take my money out?

We recommend three working days' notice for amounts under £50,000, and 30 calendar days' notice for £50,000 or above.

Is it Shariah compliant?

[confirm oversight wording, certifying body and certificate link]

The gap is widening while you decide.

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